San Luis Obispo County property record for 495 Harbor St, Morro Bay, CA 93442
| Property Type | Residential |
|---|---|
| Details | 2 bd · 1 ba · 962 sqft · built 1940 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,168 (2025) |
| Deeds & Mortgages | Apr 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-063-014 |
| Primary APN | 066-063-014 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Building Area | 962 sqft Gross Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 8,250 sqft (0.189 acres) |
| Street Address | 495 HARBOR ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2111 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Other |
| Local Zoning Code | 40 |
| Legal Description | CY MB TN MORRO TR 2 BL 40 LT 1 & 2 |
| Legal Subdivision | TRACT 02 |
| Legal Tract | 2 |
| Legal Block | 40 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 10603 |
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 105, MORRO BAY, CA 93443-0105 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 11, 2017 |
| Transfer Doc | 0000015840 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 11, 2017 |
| Property Address | 495 HARBOR ST, MORRO BAY, CA 93442-2111 |
| Document Number | 0000015840 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 15840 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | PO BOX 105 MORRO BAY CA 934430105, MORRO BAY, CA 93443-0105 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $108,111 (+2%) Land $60,543 Building $47,568 | |
| 2025 | $1,168.00 (+3.64%) | $105,992 (+4.04%) Land $59,356 Building $46,636 |
| 2023 | $1,127.00 (+6.62%) | $101,878 Land $57,052 Building $44,826 |
| 2022 | $1,057.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 15 (1982–2023) |
| Claims Outside the SFHA | 3 of 15 |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MORRO BAY PW DEPT - WATER DIVISION serves 10,757 people · EPA ID CA4010011 |
|---|---|
| Water Source | Purchased surface water from CHORRO VALLEY PIPELINE - SLO COUNTY |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Peak WiFi, Verizon.
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